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Investing for your retirement

With the TD SIPP, you can create your own personal retirement strategy by taking control of your investments. Choose from our full range of investment options: UK & international equities, bonds and gilts, and funds including investment trusts, unit trusts, OEICS, REITS and Exchange Traded Funds (ETFs). And there’s no initial set up fee.

TD SIPP Management

AJ Bell
  • TD Direct Investing provides investment dealing services, online account opening and payment facilities for the TD SIPP.
  • AJ Bell Management Limited carries out the administration of the SIPP and is the Scheme Administrator.
  • Sippdeal Trustees Limited, a subsidiary of AJ Bell Management Limited, is the trustee and the legal owner of the TD SIPP assets with you (the client) remaining the beneficial owner.

About AJ Bell

AJ Bell is one of the UK’s largest providers of online investment platforms and stockbroker services and has worked together with TD Direct Investing to bring you the TD SIPP since its launch in 2010.

Take control online

You use the same online trading platform as our other accounts to purchase investments and monitor your portfolio. And you also benefit from the award winning administration services from AJ Bell Management. Try our free and easy-to-use tablet and smartphone apps to help you trade and manage your investments when you’re on the move.

Understanding the Risks

The TD SIPP is aimed at customers who have sufficient knowledge and experience of investing to make their own investment decisions and want to actively manage their investments. The TD SIPP is not suitable for every investor. Other types of pensions may be more appropriate.

The investment made within a TD SIPP can fall as well as rise and you may end up with a fund at retirement that’s worth less than you invested. You can normally only access the money from age 55. The tax treatment of SIPPs are based on individual circumstances and may change in the future.

Before applying for a TD SIPP you need to read the Key Features Document in Useful Downloads

Our Pension Calculator

Have you put together a retirement plan to achieve the income you want in retirement? Access our quick and easy-to-use Pension Calculator to help you review your plans and how much you might want to save for retirement.

Launch Pension Calculator

Benefits of investing in a SIPP

All personal contributions generally qualify for tax relief at your highest marginal rate. Also from 6 April 2015, one of the biggest changes to pensions is taking place. You’ll have greater access to your pension savings from the age of 55 with the freedom to take unlimited lump sums or income from your pension. This means that you will have greater flexibility over what you can do with your pension pot making investing in a pension even more attractive.

For more information see Retirement Options

Receiving Advice

Prior to making any decision about the suitability of a TD SIPP, or transferring any existing pension plan(s) into a TD SIPP we recommend that you seek the advice of a suitably qualified financial adviser. Neither TD Direct Investing or AJ Bell Management Limited are able to provide advice.

We can make payment for this advice on your behalf from within your TD SIPP. To do this please download and complete our Financial Adviser Charging Form

What you need to know before you open an account

Please make sure that you have read and understood all of the relevant documentation below.

Further details are also available in the Terms of Service which you should refer to before applying for an account


All investments carry a varying degree of risk. It's important that you understand the nature and risks of the different investments available through TD Direct Investing. You may not get back the money you invest and you should not view the past performance of investments as a guide to their future performance. Read more about the risks of investing.

Your money and investments

Before applying for an account it is important you understand how your money and investments will be held and the investor protection schemes that apply. We will hold your money in accordance with the FCA's client money rules and we may pool your investment with those of other customers. Read more about how we will hold your money and investments.

Conflicts of interest

We have a conflicts of interest policy that identifies circumstances that constitute, or may give rise to, conflicts of interest which pose material risk of damage to one or more of our customers. Read more about our conflicts of interest policy.

Summary of charges

Trading commissions start from £5.95 depending on how often you trade. Our standard online rate is £12.50.

If you hold funds a platform fee will apply. See our rates and charges.

Key Features Illustration

When applying online you will be asked to produce a Key Features Illustration, which gives you important information to help you decide if the TD SIPP is right for you. You will be taken to AJ Bell's website to do this. Before applying online you can take a look at AJ Bell's Illustration website and read the Key Features Illustration fact sheet and Key Features Document.

Open a TD SIPP

Call 0800 138 1900


Go to SIPP forms

Lines are open Monday to Friday 7.30am to 9pm and Saturdays 9am to 3pm

Return the form to us at Customer Accounts Dept., TD Direct Investing, Exchange Court, Duncombe Street, Leeds LS1 4AX

The TD SIPP is administered by AJ Bell Management Limited. AJ Bell Management Limited is Incorporated in England and Wales under registration number 3948391. Registered Office: Trafford House, Chester Road, Manchester, M32 0RS. Authorised and regulated by the Financial Conduct Authority (Financial Services Register Firm Reference Number 211468). Sippdeal Trustees Limited is a wholly owned subsidiary of AJ Bell Management Limited, Incorporated in England and Wales under registration number 4050222. Registered Office: Trafford House, Chester Road, Manchester, M32 0RS. Sippdeal Trustees Limited does not conduct any regulated activities, and is, therefore, not regulated.

Pension update

What do the 2015 pension changes mean for you?

Pension Calculator

Use our handy Pension Calculator to help you plan for the future you want.

Launch Calculator

Useful Downloads